Car insurance rates don’t just depend on your driving record or location, they’re also heavily influenced by the car you drive. High-end vehicles with powerful engines, costly parts or advanced tech features come with higher insurance premiums.
In this report, we break down the most expensive cars to insure in 2025. Whether you’re shopping for a new vehicle or just curious about what drives premiums up, understanding which models top the list can help you make a more informed decision.
What are the most expensive cars to insure in 2025?
The Maserati Quattroporte, Maserati Ghibli, BMW M8 Gran Coupe, Audi RS7 and Mercedes-AMG EQS are the most expensive cars to insure in 2025. The Quattroporte costs 274% more than the national six-month full coverage average of $947.50.
Unfortunately, car insurance costs are on the rise across the board. However, those with expensive-to-insure vehicles are even more likely to notice the rising prices.
There are three big reasons these cars are all expensive to insure. A high sticker price, top-of-the-line technology and high repair costs add up to a costly insurance premium.
“Sports cars and high-end luxury vehicles are usually much more expensive to insure because of repair costs. The finishes in these vehicles are often much more expensive than the materials used in a more moderately priced vehicle,” says Carole Walker, executive director of the Rocky Mountain Insurance Information Association.
The table below shows the most expensive cars to insure.
| Make model | Vehicle type | Six-month rates |
|---|---|---|
| Maserati Quattroporte | Luxury car | $3,545 |
| Maserati Ghibli | Luxury car | $3,193 |
| BMW M8 Gran Coupe | Performance car | $2,993 |
| Audi RS7 | Performance car | $2,896 |
| Mercedes-AMG EQS | Electric car | $2,824 |
| Nissan GT-R | Performance car | $2,819 |
| BMW M8 | Performance car | $2,776 |
| Audi e-tron GT | Electric car | $2,764 |
| Audi RS6 | Performance car | $2,758 |
| Audi S8 | Performance car | $2,743 |
| BMW i7 | Electric car | $2,740 |
| Porsche 911 Turbo | Sports car | $2,687 |
| Mercedes-AMG G63 | Performance SUV | $2,678 |
| Porsche 911 GT3 | Sports car | $2,635 |
| Mercedes-AMG GT | Performance car | $2,606 |
| Mercedes-Benz S-Class | Luxury car | $2,605 |
| Tesla Model S | Electric car | $2,537 |
| Porsche Taycan | Electric car | $2,537 |
| BMW X6 M | Performance SUV | $2,533 |
| Maserati Levante | Luxury SUV | $2,521 |
| Audi RS Q8 | Performance SUV | $2,499 |
5 most expensive cars to insure in 2025: A detailed breakdown
We analyzed car insurance rates in every state for approximately 1,600 vehicle models to find the most expensive sports cars or luxury vehicles to insure.
The Maserati Quattroporte was among the top 10 most expensive cars to insure; you will pay $7,090 annually to protect this beauty. The Maserati comes with all the risk factors insurers hate to see: a huge sticker price (starts at $139,000), a powerful engine (424 horsepower), and plenty of luxury finishes. All of that adds up to a huge insurance premium.
Maserati managed to put two other vehicles on the top 20 most expensive cars to insure list and BMW, Porsche, Mercedes and Audi rounded out the top five. Surprisingly, a Nissan vehicle made the list this year, which is unusual.
These are the top five most expensive vehicles to insure.
| Make model | Trim | Annual rates |
|---|---|---|
| Maserati Quattroporte | Quattroporte Modena Ultima Q4 | $7,090 |
| Maserati Ghibli | Ghibli Modena Ultima Q4 | $6,313 |
| Maserati Ghibli | Ghibli Trofeo 334 Ultima | $6,460 |
| BMW M8 Gran Coupe | M8 Competition Gran coupe XDrive | $5,985 |
| Audi RS7 | RS7 Sportback Quattro Performance | $5,792 |
| Mercedes-AMG EQS | AMG EQS | $5,648 |
Maserati Quattroporte
Maserati grabbed the top spots with the Quattroporte being the most expensive car to insure. This beast will set you back a whopping $7,090 to insure, which is 274% more than the national average.
The Quattroporte comes with several red flags when it comes to insurance. While certainly not one of the most expensive sports cars out on the road, its sticker price of $139,000 puts it well out of the average price range for most drivers. It will hit a top speed of 179 mph and is loaded with expensive finishes such as premium leather seats, Ermenegildo Zegna silk and carbon fiber.
In addition, Maseratis are targets for car thieves, and insurers charge higher premiums if a car is a significant theft risk.
Maserati Ghibli
The Maserati Ghibli is a similar option to the Maserati Quattroporte. This model is slightly more affordable (it starts at $109,500). Like the Quattroporte, it has a V6 engine and 424 horsepower. Since it’s slightly cheaper, it makes sense that it’s slightly more affordable for insurance. It will cost you $6,313 annually to insure the Ghibli Modena Ultima Q4 and $6,460 annually for the Ghibli Trofeo 334 Ultima.
Read more about insuring Maserati models
BMW M8 Competition Gran Coupe
Cars built to be driven more aggressively will always be more expensive to insure, and the M8 has a big engine under the hood that dares you to put your foot down.
“The M8 Competition models sit at the top of BMW’s M lineup and are the epitome of performance and luxury,” says Carl Anthony, managing editor of Automoblog and AutoVision News.
The BMW M8 Competition Gran Coupe’s 4.4-liter V-8 engine can produce 617 horsepower and features track-ready cooling systems. If you add the M Driver’s pack, it can reach 190 mph. It also comes with a 12.3-inch digital gauge cluster, 16-way power seats and optional carbon fiber seats, which help make this vehicle very expensive to insure.
“Performance cars like the BMW M8 will be more expensive in every aspect, from the starting MSRP and routine service visits to the monthly insurance payment,” Anthony says.
While still very pricey to insure, its annual premium is $5,985, or 16% less than the Quattroporte.
Read more about insuring BMW models
Audi RS7
This luxury sports sedan combines upscale finishes with a huge engine, a recipe for a big insurance bill. The Audi RS7 has a V-8 under the hood that can push out 621 HP and hit a top track speed of 196 mph. It starts at $128,600.
Insurance companies always consider the vehicle’s sticker price when setting a premium because they will have to replace the vehicle if it is damaged or destroyed by a covered peril.
Insurers must also consider repair costs, and luxury vehicles like the Audi are packed with expensive finishes.
Ultimately, this leads to an annual insurance rate of $5,792.
Read more about insuring Audi models
Mercedes-AMG EQS
The Mercedes-AMG EQS is a luxurious electric vehicle with plenty of performance features. Under the hood is an enormous battery – one reason this vehicle is so expensive to insure.
The AMG EQS offers 649 horsepower and a 315-mile range. With a starting price of $147,550, it’s an expensive vehicle to have in your driveway. However, insurance costs are also high, with an average annual cost of $5,648.
This luxury vehicle isn’t your average ride.
“In other words, it doesn’t sell at a rate similar to a Toyota Camry, which is why repairs are often more expensive since parts won’t be as plentiful. In addition, because of the specialized nature of these high-performance vehicles, the skill and time required to make repairs will be higher than with a more mainstream vehicle,” says Brian Moody, executive editor for Autotrader and Kelley Blue Book.
Read more about insuring Mercedes models
Why are certain types of cars more expensive to insure?
Insurance companies take a variety of risk factors into account when setting a premium. In addition to personal factors like your driving record, credit score, age, and marital status, insurers consider your vehicle’s risk factors.
Avoid sport and luxury vehicles to keep your insurance bill affordable. Electric vehicles (EVs), particularly high-end ones like Teslas, are reasonably expensive to insure.
Big engines (or a big battery), a sky-high sticker price, cutting-edge tech, and lots of expensive finishes will always push up insurance costs.
Here are a few of the vehicle factors that insurers consider and why they make insurance more expensive:
- Price: Your insurance company is responsible for replacing your car if it is stolen or destroyed by a covered peril. It will charge a higher premium for a more expensive car. You will pay more for insurance if you have a high-end luxury vehicle with a high sticker price.
- Vehicle type: Many sports and luxury cars are designed to be driven more aggressively, often leading to more crashes and accidents. High-powered vehicles are often involved in accidents that lead to claims.
- Repair costs: Your insurer must pick up most of the bill if your vehicle has to be repaired due to an accident or other covered incident, so they look at repair costs when setting an insurance rate. High-end sport and luxury vehicles are often more expensive to repair as parts and labor are much higher. They usually require specially trained mechanics and even specialty facilities.
- The target of thieves: The cost of replacing your stolen vehicle is your insurance company’s problem if your ride is boosted, so if it is a common target of thieves, you will pay more for coverage. Unfortunately, luxury and sports cars often fall into this category, leading to higher insurance costs.
Comparing luxury vs. base models: Does trim level affect insurance rates?
When you opt for a more luxurious trim, it typically comes with more bells and whistles. The extra perks come at an extra cost and make repairing the vehicle more expensive, which altogether leads to a higher car insurance cost.
For example, the BMW M8 Competition Gran Coupe is more expensive to insure than the BMW Competition XDrive, and both are more expensive to insure than the BMW M8 baseline vehicle.
Luxury and sports vehicles are always going to be more expensive to insure, but here are a few other factors to consider when shopping for a vehicle:
- Trim level: Most vehicles come in different trim levels. The base model is usually the cheapest to insure. As you move up trim levels, your premium will climb due to a higher sticker price, more expensive interior finishes, and possibly a bigger engine.
- Engine size: A bigger engine under the hood usually results in costlier premiums. Sport and luxury cars may offer different engine choices that can impact your premium.
- Luxury finishes: The interior finishes you choose will impact the insurance cost. Leather seats, teak wood, and carbon fiber will be more expensive to insure than cloth seats and a plastic dashboard.
- Technology: Cutting-edge technology is often found in luxury vehicles before trickling down to more reasonably priced ones. High-end audio systems, seat massagers or a refrigerator box for the rear cabin will all result in a higher insurance premium because they make repairs more expensive.
Why do Teslas cost so much to insure?
Like many vehicles on our most expensive to insure list, Teslas have a hefty sticker price and are costly to repair, which is always a recipe for sky-high insurance premiums.
Here are a few reasons Teslas come with expensive insurance:
- Specialized repairs: Teslas can only be repaired at a Tesla-approved repair shop. This is due to the additional training and equipment that are needed.
- Battery: Like all EVs, a Tesla has a big battery under the hood instead of an engine. Replacing the battery can cost between $10,000 and $15,000, which will always be factored into an insurance rate.
- Aluminum frame: The Model S has an aluminum frame, which makes it more expensive to repair than a standard steel frame.
“The complex and high-end technology incorporated into Teslas is expensive to repair after a crash, ” Anthony says. More expensive repairs mean a higher insurance bill.
Why some affordable cars have sky-high insurance costs
Erike Tortorici, owner and principal at Optimum Insurance Solutions, says that some vehicle models are more expensive to insure primarily because of their replacement cost.
“If a car is totaled, the insurance carrier is responsible for covering its full value. Additionally, modern vehicle technology has significantly increased repair costs,” Tortorici says. “Features like advanced sensors in mirrors, headlights, bumpers and windshields drive up expenses, as they require not only replacement but also specialized labor to recalibrate. For example, a simple windshield that once cost $300 can now range from $800 to $2,000 due to integrated rain sensors and heating elements. In some cases, high-tech vehicles can be totaled from relatively minor accidents because of the sensitivity and cost of their battery systems. Ultimately, the more complex and expensive a car is to repair or replace, the higher its insurance premiums will be.”
Purchasing a vehicle with a relatively affordable MSRP still might lead to relatively high insurance costs if the repairs associated with the vehicle are on the high end.
How to lower insurance costs on high-end vehicles
If you want to lower your car insurance costs on a high-end vehicle, consider the following strategies:
- Shop around: Insurers evaluate your situation differently, leading to varying premiums among insurers. When you compare rates across multiple companies, you can find the most affordable option for your situation.
- Increase your deductible: Generally, insurers offer drivers who opt for a higher deductible a lower insurance rate. Locking in these savings could make sense if you have the funds on hand to cover a higher deductible after an accident.
- Ask for a discount: Many insurance companies offer discount opportunities. Never hesitate to ask if you qualify for extra savings.
- Stick to safe driving habits: Many insurers offer a discount for safe driving habits.
Final thoughts
Ultimately, the type of vehicle you drive impacts your insurance rates.A high sticker price, top-of-the-line technology and high repair costs add up to a costly insurance premium for sports cars and luxury vehicles, but shopping around and asking about discounts can help drivers keep their rates as low as possible.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for around 3,000 2024 car models. Averages are calculated using data from seven large carriers, such as Allstate, AmTrust, Farmers, GEICO, Nationwide, Progressive, and State Farm, in 10 ZIP codes per state. The worst-performing standard set of features for each car model determined the rankings.
Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries, and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.
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